Do you wish you didn’t have student loans? While they haven’t yet created a time machine that will allow you to go back and not borrow all that money for your degree, there are ways that you can make your debt more manageable. Two of those ways are to either consolidate or refinance your student loans.

You just matched into residency, and you’re thrilled to take the next step in your career. For the first time in a long time, you feel like you can breathe again. Enjoy it now: Once residency starts, you won’t be slowing down again for awhile. And you won’t have much time to think about the giant elephant you’re carrying on your back: Your student loans.

In some ways, working your way through residency and fellowship feels like being stuck in limbo for years. You finally have the privilege of wearing that white coat, but you must do a balancing act between the medical students that look up to you, and the more seasoned physicians who still lose patience with you. Although you’re working like there’s no tomorrow, your income hasn’t caught up with your hours yet. The good news— you will make it through this, and you’re not alone.